Calculate your Pennsylvania take-home pay after federal, state and local taxes
Use this Pennsylvania tax calculator to estimate how much of your salary or hourly pay you can keep after federal income tax, Pennsylvania’s flat income tax, Social Security, Medicare, employee unemployment contributions and applicable local taxes.
You can also include traditional 401(k) contributions, qualifying pretax health benefits, bonuses, overtime, extra federal withholding and post-tax deductions. Results show annualized net pay and average weekly, biweekly and monthly take-home pay.
Pennsylvania paycheck and income tax calculator
Enter the pay details for one Pennsylvania W-2 job. This calculator annualizes your earnings and deductions using 2026 tax rules. It is a planning estimate, not an employer-specific payroll withholding calculation.
Overtime is estimated at 1.5 times the hourly rate for entered overtime hours. Actual eligibility and pay rates depend on employment rules and job circumstances.
Federal income tax is estimated using 2026 tax brackets and the base standard deduction. Your actual W-4 withholding can differ because of multiple jobs, spouse income, dependents, payroll tables and other W-4 adjustments.
Do not enter employer-paid contributions as employee deductions. The calculator does not verify IRS contribution limits, employer-specific tax treatment or deduction eligibility.
Your information is calculated locally in your browser. No name, Social Security number or bank details are required.
How much tax comes out of a Pennsylvania paycheck in 2026?
For a typical W-2 employee, Pennsylvania take-home pay can be affected by several separate taxes rather than one combined income tax rate.
Federal income tax
Federal income tax uses progressive tax brackets. Your filing status, taxable wages, federal deductions and W-4 information influence withholding.
Pennsylvania income tax
The statewide personal income tax rate is 3.07%. Pennsylvania generally does not apply the federal standard deduction to state taxable compensation.
Payroll and local taxes
Social Security, Medicare, PA unemployment contributions and applicable municipal taxes can further reduce take-home pay.
Gross earnings − federal income tax − PA income tax − local taxes − employee payroll taxes − retirement/benefit deductions − other withholding = estimated net pay.
Important distinction: A flat 3.07% state income tax does not mean that your entire paycheck is taxed at only 3.07%. Federal taxes, FICA, PA UC and local taxes are separate.
What is $75,000 a year after taxes in Pennsylvania?
Consider a single Pennsylvania employee earning $75,000 in 2026, using the basic federal standard deduction, with no qualifying tax credits or employee benefit deductions.
For illustration, assume the employee has a 1% local Earned Income Tax and a $52 annual Local Services Tax. These two local amounts are examples, not rates that apply to every Pennsylvania address.
| Income or deduction | Annual amount |
|---|---|
| Gross annual salary | $75,000.00 |
| Federal taxable income after $16,100 standard deduction | $58,900.00 |
| Estimated federal income tax | $7,670.00 |
| Pennsylvania income tax at 3.07% | $2,302.50 |
| Social Security at 6.2% | $4,650.00 |
| Medicare at 1.45% | $1,087.50 |
| PA employee UC at 0.07% | $52.50 |
| Illustrative local EIT at 1% | $750.00 |
| Illustrative Local Services Tax | $52.00 |
| Total estimated taxes | $16,564.50 |
| Estimated annual net pay | $58,435.50 |
| Average biweekly net pay | $2,247.52 |
Salary comparison: what changes at different income levels?
$50,000 salary
Federal tax, Pennsylvania tax and FICA are important. Local EIT and employee benefits can make a noticeable difference to the monthly budget.
$100,000 salary
Additional federal income falls into higher marginal brackets. Traditional 401(k) contributions can reduce federal taxable income without lowering PA compensation.
$150,000+ salary
Review the Social Security wage limit, bonuses, additional withholding and whether multiple jobs or household income change your federal tax position.
Pennsylvania income tax, FICA and employee UC rates
| Tax | 2026 rate | How it affects pay |
|---|---|---|
| Pennsylvania personal income tax | 3.07% | Flat rate on PA taxable income or compensation. |
| Social Security | 6.2% | Employee rate on covered wages up to the $184,500 annual wage base. |
| Medicare | 1.45% | Generally applies to all covered Medicare wages without a wage cap. |
| Additional Medicare withholding | 0.9% | Employers generally withhold when the employee’s Medicare wages exceed $200,000 for that employer in the year; final liability depends on filing circumstances. |
| PA employee unemployment contribution | 0.07% | Calculated on applicable gross wages in covered employment. |
| Local Earned Income Tax | Address-dependent | Based on applicable resident and work-location rules. |
| Local Services Tax | Address-dependent | Annual amount subject to applicable statutory limits and exemptions. |
| Philadelphia Wage Tax | Separate city rates | Applies to qualifying residents and nonresidents working in the city. |
2026 federal standard deductions
| Federal filing status | 2026 base standard deduction |
|---|---|
| Single | $16,100 |
| Married filing jointly | $32,200 |
| Married filing separately | $16,100 |
| Head of household | $24,150 |
These are base federal deductions. Additional amounts for qualifying taxpayers, itemizing restrictions, credits, phaseouts and special deductions are not automatically determined by the calculator.
How to find your Pennsylvania local Earned Income Tax rate
Local Earned Income Tax is one of the main reasons two workers with identical salaries may have different net pay in Pennsylvania.
The correct local rate can depend on where you live, where you work and which local government jurisdictions apply to your earnings.
Official EIT and PSD code lookup: step by step
- Open the official Pennsylvania DCED lookup. Visit the PSD Codes and EIT Rates resource provided by the Pennsylvania Department of Community and Economic Development.
- Find the address lookup option. Use the linked address search service to identify your home and work jurisdictions. Enter the requested address information accurately.
- Review resident and nonresident rates. Compare the total resident EIT rate with the nonresident rate for the work location. Under the general Act 32 rules, the applicable withholding rate is the higher of these two rates.
- Record your PSD codes and applicable taxes. Keep the municipal and school district information provided by the lookup. Check whether a separate Local Services Tax applies to your worksite.
- Enter the confirmed local rate above. Return to the calculator, choose the other-municipality option and enter the applicable EIT percentage. Enter the correct LST amount separately.
How Local Services Tax works
Pennsylvania permits qualifying local governments to levy a Local Services Tax. The combined annual amount is generally capped at $52 under the applicable rules.
For jurisdictions levying more than $10, a mandatory low-income exemption generally applies to eligible workers whose qualifying earned income and net profits from the jurisdiction are below $12,000 for the year. Other exemptions or withholding rules may apply.
Use the official DCED Local Services Tax guidance to understand rates, exemptions and refund requests.
Philadelphia Wage Tax rates for 2026
Philadelphia has its own wage-tax system. All employed Philadelphia residents generally owe Philadelphia Wage Tax on taxable compensation regardless of where they work. Nonresidents working in Philadelphia may also be subject to the city tax.
| Effective period | Philadelphia resident | Nonresident working in Philadelphia |
|---|---|---|
| January 1–June 30, 2026 | 3.74% | 3.43% |
| July 1–December 31, 2026 | 3.735% | 3.425% |
Philadelphia resident vs. nonresident
If you live in Philadelphia
The resident Wage Tax generally applies to your taxable employment compensation even if your job is located outside city limits. Remote work does not automatically remove the resident tax.
If you commute into Philadelphia
Nonresidents working in Philadelphia may owe the nonresident Wage Tax. For qualifying remote work performed outside the city, specific allocation and refund rules may apply.
For official guidance, visit Philadelphia Wage Tax — rates and employer requirements.
If Philadelphia tax should apply but is not withheld by your employer, review the city’s Earnings Tax guidance rather than assuming no local tax is owed.
How 401(k), health insurance and other deductions change PA net pay
Pennsylvania’s treatment of employee deductions is not always identical to federal treatment. This is especially important for retirement contributions.
| Deduction | Federal income-tax treatment | Pennsylvania treatment |
|---|---|---|
| Traditional 401(k) / 403(b) | Eligible elective deferrals generally reduce current federal taxable wages. | Employee retirement contributions generally remain taxable as PA compensation. |
| Roth 401(k) | Generally made with after-tax wages. | Generally does not reduce PA taxable compensation. |
| Qualifying Section 125 health premiums | May be excluded from applicable taxable wages. | Qualifying health-related contributions may also receive a PA exclusion. |
| Eligible HSA contributions | May qualify for federal income tax deductions or exclusions. | PA generally follows federal HSA contribution deduction rules, subject to eligibility. |
| Post-tax insurance or deductions | Reduce cash take-home pay, but generally not taxable income. | Typically do not lower PA taxable compensation merely because payroll deducts them. |
Why traditional 401(k) contributions can produce different federal and PA tax results
For example, suppose an employee earns $80,000 and contributes $5,000 through a qualifying traditional 401(k) salary deferral.
The employee’s federal income-tax wage base may generally reflect the $5,000 deferral, while Pennsylvania still includes the employee retirement contribution in PA taxable compensation. Social Security and Medicare wages also generally include the traditional 401(k) deferral.
This distinction is built into the calculator. Qualifying health payroll deductions are treated separately from retirement deferrals.
See the official PA Personal Income Tax Guide — Gross Compensation.
Pennsylvania hourly paycheck calculator: regular pay and overtime
Hourly employees should use their hourly rate, average weekly hours, overtime hours and expected weeks worked. The calculator first estimates annual earnings, then calculates annualized taxes and converts the result to your chosen pay frequency.
$20 per hour
At 40 hours weekly for 52 weeks, annual gross pay is $41,600 before overtime or bonuses.
$25 per hour
At 40 hours weekly for 52 weeks, annual gross pay is $52,000 before taxes and deductions.
$30 per hour
At 40 hours weekly for 52 weeks, annual gross pay is $62,400 before overtime or other compensation.
How overtime affects the result
For a covered, nonexempt worker paid time-and-a-half, overtime gross earnings can be estimated as:
The calculator uses this simplified pay assumption. Your actual overtime eligibility, workweek rules, bonuses and overtime rate may differ.
Federal tax rules may also permit eligible workers to claim a special deduction related to qualified overtime compensation. That does not mean all overtime wages are free of federal income tax or payroll tax. Only eligible amounts meeting IRS requirements qualify.
Review IRS guidance on qualified overtime and other worker deductions before entering an additional federal deduction.
Working in Pennsylvania but living in another state
Pennsylvania has reciprocal agreements concerning qualifying employee compensation with six states:
Under an applicable reciprocal agreement, employees may generally be taxed by their state of residence instead of Pennsylvania for qualifying wages, subject to the agreement’s conditions.
Eligible nonresidents may be able to submit Pennsylvania Form REV-419 through their employer to address PA withholding. The employer’s requirements, tax residency and local taxes still need to be reviewed.
Check the Pennsylvania compensation and reciprocal agreement guidance.
How to calculate and verify your Pennsylvania take-home pay
- Start with your gross pay. Use your employment offer, annual salary or actual hourly rate. Include regular overtime and expected bonuses where relevant.
- Choose your federal filing status. Select single, married filing jointly, married filing separately or head of household as applicable. Review your Form W-4 when necessary.
- Confirm state income tax. Pennsylvania’s regular personal income tax withholding rate is 3.07% of taxable compensation. Check your paystub’s PA withholding amount.
- Find your local tax jurisdiction. Use the official DCED address lookup for PSD codes, local EIT rates and applicable LST information. Do not assume every city uses the same local rate.
- Enter employee deductions. Add qualifying retirement, health, HSA and post-tax payroll deductions in the appropriate fields.
- Calculate the annualized result. Review federal tax, PA tax, FICA, UC, local taxes and estimated net pay.
- Compare with your paystub. Check federal withholding, state wages, local withholding, Social Security, Medicare, PA UC and benefit deductions individually.
- Adjust when life or job circumstances change. Review withholding after changing jobs, moving, receiving bonuses, adding another job or changing household circumstances.
Official services for verification
Pennsylvania Department of Revenue
Review personal income tax, employer withholding and state filing guidance.
IRS Tax Withholding Estimator
Use the official IRS service to review federal withholding based on detailed W-4 and household information.
PA local tax lookup
Identify PSD codes and local withholding rates for your residence and workplace.
Pennsylvania myPATH
Access the state’s official online tax services for eligible returns, payments and account-related tasks.
Tax forgiveness, PA tax credits and your annual return
The amount withheld from a paycheck is not always the same as the final tax owed after filing an annual return.
Pennsylvania tax forgiveness
Eligible lower-income individuals and families may qualify for Pennsylvania tax forgiveness through PA Schedule SP. Eligibility depends on income, family size and other conditions.
Working Pennsylvanians Tax Credit
Pennsylvania also has a Working Pennsylvanians Tax Credit tied to eligibility for the federal Earned Income Tax Credit. This benefit can affect an eligible taxpayer’s annual state tax return or refund.
The calculator does not automatically include tax forgiveness or the Working Pennsylvanians Tax Credit as a reduction in every paycheck. These are not universal payroll deductions and must be determined using applicable eligibility and filing rules.
Why your real Pennsylvania paycheck may not match the calculator
| Problem | Possible cause | What to check |
|---|---|---|
| Calculator shows higher net pay | Missing insurance, retirement, garnishments, local tax or additional withholding. | Compare every deduction shown on your paystub. |
| Local tax looks incorrect | Wrong EIT percentage, PSD code or Philadelphia tax status. | Use DCED’s official home and work address lookup. |
| Federal withholding differs | Actual W-4 elections and IRS payroll withholding tables are more detailed. | Review Form W-4 and IRS Publication 15-T. |
| 401(k) effect looks unusual | PA generally taxes employee retirement contributions even when federal taxable wages are reduced. | Compare federal W-2 Box 1 and Pennsylvania Box 16 wages. |
| Bonus paycheck is much smaller | Supplemental wage withholding and payroll taxes can be concentrated in one payment. | Ask payroll how the bonus was withheld and what benefits were deducted. |
| Two jobs produce different totals | Each employer may calculate payroll withholding separately, including Social Security limits and W-4 adjustments. | Review each job’s withholding and combined annual federal tax position. |
| Full-year Philadelphia tax differs | The city’s wage-tax rates changed July 1, 2026. | Apply the correct rates to wages paid in each effective period. |
| State tax seems too high | Special exemptions, tax forgiveness, reciprocal agreements or nonresident rules may apply. | Review the PA Department of Revenue guidance for your circumstances. |
Pennsylvania Tax Calculator 2026: 10 FAQs
1. What is the Pennsylvania income tax rate in 2026?
Pennsylvania’s personal income tax rate is 3.07% for 2026. The rate is generally applied to PA-taxable income or compensation. Federal income tax, Social Security, Medicare, employee unemployment contributions and local taxes are calculated separately.
2. How much is $75,000 a year after taxes in Pennsylvania?
In a simplified example for a single employee with no benefit deductions, a 1% illustrative local EIT and $52 Local Services Tax, $75,000 of salary produces approximately $58,435.50 in annual take-home pay, or $2,247.52 per biweekly paycheck. Actual results depend on withholding, local rates, benefits and credits.
3. Does Pennsylvania have a flat income tax?
Yes. Pennsylvania has a flat personal income tax rate of 3.07%. Federal income tax is progressive, however, and municipalities may impose separate local taxes. Flat state taxation does not mean the combined tax rate on your paycheck is fixed.
4. Does Pennsylvania tax 401(k) contributions?
Employee contributions to traditional 401(k) and similar retirement plans generally remain taxable compensation for Pennsylvania personal income tax purposes. Qualifying traditional deferrals can reduce current federal taxable income but generally do not reduce PA taxable wages.
5. How do I calculate Pennsylvania biweekly take-home pay?
Select biweekly pay frequency, enter your annual gross salary or hourly earnings, choose your federal filing status, add local tax information and enter relevant deductions. The calculator divides estimated annualized net income by 26 to provide an average biweekly amount.
6. Does Pennsylvania charge local income tax?
Many Pennsylvania municipalities levy a local Earned Income Tax. The applicable rate depends on local residence and workplace rules. Use the Pennsylvania DCED PSD Code and EIT rate lookup to determine the rate that applies to your wages.
7. What is the Philadelphia Wage Tax rate in 2026?
From July 1, 2026, Philadelphia’s resident Wage Tax is 3.735% and the nonresident rate is 3.425%. During January through June 2026, the respective rates were 3.74% and 3.43%. The correct rate depends on employee status and when the wages are paid.
8. What is the Pennsylvania unemployment tax deduction on my paycheck?
The Pennsylvania employee unemployment contribution rate is 0.07% for 2026 covered employment. Employers generally withhold this contribution from applicable employee gross wages. It is separate from employer unemployment tax responsibilities.
9. Does Pennsylvania use the federal standard deduction?
No. Pennsylvania does not provide the federal standard deduction when calculating Pennsylvania taxable income. The federal standard deduction can still affect your federal income tax calculation. Pennsylvania has separate rules for deductions, exclusions, credits and tax forgiveness.
10. Why is my Pennsylvania take-home pay lower than expected?
Your paycheck may include federal income tax, PA income tax, Social Security, Medicare, PA UC contributions, local Earned Income Tax, Local Services Tax, retirement contributions, health premiums and other deductions. Compare each paystub line with the calculator inputs to identify the difference.
2026 Pennsylvania and federal tax sources
The following official resources support the tax rates, deductions and processes explained on this page.
- Pennsylvania Department of Revenue — Employer Withholding: State tax withholding requirements and the 3.07% rate.
- Pennsylvania Department of Labor & Industry: Employee unemployment contribution rates.
- Pennsylvania DCED: PSD Codes and EIT rates.
- Pennsylvania DCED: Local Services Tax, statutory limits and exemptions.
- Pennsylvania Department of Revenue: Gross compensation, retirement contributions and benefit tax rules.
- City of Philadelphia: Philadelphia Wage Tax rates and employer guidance.
- Internal Revenue Service: 2026 federal income tax brackets and standard deductions.
- IRS Publication 15-T: 2026 federal payroll withholding methods.
- Social Security Administration: 2026 Social Security wage base.
- IRS: Official Tax Withholding Estimator.
Reviewed for tax year 2026. Check the linked agency guidance whenever rates, employment location or tax circumstances change. This independent calculator is intended for planning and does not replace official tax forms or employer payroll records.